Discover Price Protection Terms (Including For Black Friday)

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Discover Price Protection Terms (Including For Black Friday)

Postby Gamma » Wed Nov 13, 2013 6:12 pm

So I just learned something interesting in another forums that I thought I'd share with you guys.

Here is a list of Discover exclusion price protection

Exclusions and Limitations
The Price Protection program applies only to items purchased in the United States of America, including Alaska and Hawaii. It does not cover any of the following:

  • Claims made on purchases made before 11/1/2012
  • Services
  • Any used, rebuilt, remanufactured or second-hand items
  • Consumable and perishable items including, but not limited to, food, fuel, oil, household products and cosmetics
  • Jewelry, travelers checks, tickets of any kind, negotiable instruments and bullion
  • Rare or precious coins or stamps, collectibles, antiques and art objects
  • Motorized vehicles and their parts including, but not limited to, boats, airplanes, automobiles, trucks and motorcycles
  • Floor models, demonstrator models and one-of-a-kind items
  • Live animals and live plants
  • Negotiated sales, one-of-a kind sales, cash-only sales
  • Close-out/liquidation/going-out-of-business sales but only as they relate to a business (not a particular item) going out of business
  • Employee discounts
  • Products purchased at Internet auction sites
  • Items advertised or shown as price quotes or bids from an Internet auction site
  • Items that are advertised as buy one, get one free or where the advertised price includes free offers or includes a bonus offer
  • Merchandise purchased through the redemption of Cashback Bonus or Miles in the Merchandise Center or Discover Exclusives on
  • Digital downloads including, but not limited to, music, movies, books, mobile apps and eCertificates
  • Gift cards
  • Special discounts offered through a specific retailer membership or rewards program
  • Travel and travel-related services
After calling 5 times with 5 different reps, they all assured me that black Friday isn't an exclusion for price protection and they encourage me to fill one out when black Friday passes if I decide to buy an item now and wait for the price drop that day. 3 out of 5 reps told me they don't exclude this day because they understand people work on those days and can't make it on time to purchase the sale items. Door busters and limited quantity aren't excluded. This is something I plan to try this year. Though I could go that day since it's my day off, I don't want to take the risk of getting trampled/pepper sprayed etc and wait in a huge line people start forming a week early.

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Postby MemberSince99 » Wed Nov 13, 2013 7:26 pm

I can understand you not wanting to risk getting trampled/pepper sprayed etc. When I see the stories of the lunatics, it's like watching some kind of animals squabbling over a carcass during dry season or something. I think we'd be better off if the holidays weren't about spending money and were more about spending time with the people who are important in your life.

I've never ventured out on that day, and the more horror stories the read the more I realize I never will. I just buy everything online anyway and have it wrapped and shipped and I'm done and I don't spend a fortune that will take me half the year to pay off either. And I never want anyone else to do those things either, at least not for me.

So I'd hate to see you get trampled Gamma.

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Postby whit » Wed Nov 13, 2013 9:59 pm

thank you for sharing

I probably would enjoy Black Friday more if I hadn't worked retail a few years through college. I actually worked at a retailer who didn't have sales so on Black Friday there wasn't any..we still did almost five times what a normal good day of sales for us would be..for a store that is only a few hundred square feet...really small store..think smaller then the size of basketball court..and did roughly 30-35k in sales each black friday

people just go crazy with shopping day after, even if there's no sales, because people often have that day after thanksgiving after Christmas would just be as profitable if it wasn't after Christmas Day where people exchanged the returns cut into profits and the exchanges doesn't do anything

i would hate to be working for companies like old navy or Safeway that actually open on thanksgiving :/

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Postby Ikarus » Tue Nov 19, 2013 6:04 pm

Some years ago I waited outside Best Buy in 6 degree weather to buy two Xbox 360's. I spent bits back and forth in the car to heat up, but at 6 am the managers came out and said folks had to stay in line outside till 8 am or they would lose their place in line.

It was a seriously cold morning without much sun.

Though I sold both 360's for good profit for Christmas delivery on Ebay, it was not an experience worth repeating.

I read an article the other week that mentioned Black Friday is almost irrelevant. Vendors keep trumping each other by opening Thanksgiving day or having Black Friday prices on Wednesday, etc. Also, Cyber Monday, in the era of technology, has made too deep of an inroads on Black Friday.

Given that most of us here are credit card savvy, it makes sense to stay at home and buy on Amazon and get 5% back using the Chase Freedom, Citi Dividend, etc.

Why deal with the crowds, the desperateness, the potential for muggings, etc. when you can stay comfy at home with no stress?

However, one thing brick and mortar stores do well is price match on the spot. Last Christmas season, I found a 50" Panasonic plasma on sale at Frys for $549. Best Buy had it on sale for $769, but still price matched Frys and offered free delivery and setup. Amazon can't touch that type of customer service.

I may stray out next Friday with low expectations. There is a $177 Dell laptop at Best Buy next Friday, so.... :)
Merrick Bank (Hooters) 4100
Cap One Quicksilver 2800
Discover it 2500
Citi Forward 5400
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 5600
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